For an insurance company that has been named the worst insurance company in America almost every year for the past decade by the American Association for Justice, I find it amusing that their current advertising campaign is aimed at customer satisfaction. First they have introduced the Claims guarantee, and I will go out on a limb and say that if they do not change their current practices, this program will be gone within a year because the number of unsatisfied clients will cost the program hundreds of millions. Second, they have a funny little commercial in which an executive driving a luxury car is rear-ended by a scruffy looking college kid. The executive is “scared” that the kid might have “cut-rate” insurance but is miraculously relieved to find out that the kid has Allstate insurance.
The executive in the commercial should hang his head in despair that he has to try and obtain the money and damages he deserves from a company that has a claims process intent on frustrating, delaying and under-cutting claimants entitled to damages.
Why is Allstate the worst company to deal with if you have been in a car accident? Despite the insurance companies contractual obligation to protect their insureds by paying claims for which they are liable, Allstate endlessly delays the process and when forced to make an offer of settlement, often makes an offer far below the value of the claim. Even when a lawsuit has been filed, Allstate will drag out the litigation process often taking the case all the way to the end before making a reasonable offer. They reject the offers of arbitrators or mediators if the award is above their valuation of the claim. Why do they do this? Insurance companies make money by investing the premiums paid into it. The longer that an insurance company can hold onto that premium money, the better the return on their investment. They also employ these tactics because they know that they can wear out many plaintiffs who will accept less than fair value for their claim merely to “get it over with.”
When new clients come to my office following an auto accident with an Allstate insured, I tell them that there is a good chance of litigation if they do not want to settle for little money. You have to fight companies that employ these kinds of tactics and if you have been injured by an Allstate insured, you need to hire an attorney who is able and ready to fight these tough cases. Contact my office right away for a free consultation. I like Dennis Haybert as an actor myself, but don’t let him convince you that the “good hands” company is anything but the worst.